Clifton, NJ · Charter 277
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | -0.07% | -0.55% | -0.58% | -0.52% | -0.50% | -0.19% | 0.10% | +68 bps | |
| Return on Equity | 0.05% | -0.15% | -1.07% | -1.12% | -1.02% | -0.95% | -0.37% | 0.19% | +132 bps | |
| Net Interest Margin | 3.41% | 3.40% | 3.14% | 3.20% | 3.12% | 3.21% | 3.54% | 3.72% | +52 bps | |
| Efficiency Ratio | 99.35% | 102.10% | 116.77% | 117.33% | 115.90% | 114.79% | 105.33% | 97.40% | -1,993 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.17% | -4.89% | -6.68% | -5.32% | -6.88% | -5.08% | -3.06% | -1.86% | +347 bps | |
| Loan Growth (YoY) | -25.95% | -29.78% | -25.22% | -28.23% | -25.94% | -7.63% | -9.81% | -4.56% | +2,367 bps | |
| Share Growth (YoY) | -10.27% | -10.77% | -13.82% | -13.31% | -13.00% | -11.57% | -6.18% | -2.95% | +1,035 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.53% | 7.00% | 1.49% | 8.05% | 1.73% | 0.76% | 7.18% | 6.71% | -134 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.47% | 2.57% | 2.88% | 3.29% | 3.41% | 2.16% | 2.48% | 2.65% | -64 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 48.01% | 50.22% | 50.86% | 51.35% | 51.07% | 52.41% | 52.06% | 52.17% | +82 bps | |
| Net Worth / Assets | 48.01% | 50.22% | 50.86% | 51.35% | 51.07% | 52.41% | 52.06% | 52.17% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.02% | 38.70% | 35.82% | 32.71% | 30.67% | 40.42% | 34.44% | 32.17% | -54 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |